Are you a Freelancer? Are you a Small Business Owner Are you a Contractor?

Helping SMEs,
to grow faster

Finiata restores the market balance by providing
short term capital for SMEs and Freelancers

Check out our factoring platform for Freelancers and SMEs

Check out our factoring platform for Freelancers and SMEs

Better than just Factoring!

We offer far more than a traditional factoring provider. In fact, we have created a completely new financial service to support the diverse community of freelancers and SMEs

New Factoring

Traditional factoring providers use outdated criteria and data models when making decisions about factoring. We know you're more than just those parameters, so we created our own, advanced model.

  • Advanced Data Science engine
  • More than 2000 new data points
  • Eligible for Freelancers

Fair Factoring

with everything being completely transparent, from our easy-to-understand pricing to the market rules as we see them. We make our product work for you - not the other way around.

  • Flat rate pricing
  • Extensions without additional fee
  • Free 14 days grace period

Your Factoring!

We want you to make most out of our product. Therefore, we give you the best possible live support and many online resources. Call, chat, read - whatever works best for you!

  • Live chat
  • 7 days a week
  • Detailed Knowledge Base

How does it work exactly?

It's easy to use, secure and fast! No more waiting for your business partner's payment - start enjoying your own money now!


Just three simple steps to get paid faster!

Upload an invoice

Issue an invoice and upload the invoice document to our system. Give us a few basic details and let us do the magic! You will receive your personal credit limit with us - absolutely free!

Decide the duration

We understand that you might not always receive your money exactly on the day that you expect it. So, we let you extend your own repayment terms in time.


The money is already in your bank account! Go ahead and celebrate the end of the project at the right time. Just don't forget to pay us back once your business partner pays you!

How does it help me?

A good question - and also easy to answer

You get paid immediately

You don't have to wait until the due date (or sometimes even longer) - you'll be paid once you issue your invoice.

You can grow faster

Buy software, hire new people and invest in your company when you need to - not when you get finally paid.

You can be the good guy

Pay all of your bills, wages and taxes on time, no matter when your contractors and business partners pay.


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